Finora — a personal finance app built for how money is actually used

The problem

The personal finance apps I'd tried made me choose between two extremes: infinitely flexible spreadsheets I never actually kept up to date, or closed apps that aggregate bank accounts but treat every entry as an isolated number — no context about projects, goals, people to split an expense with, or how today's expense ripples into the coming months.

I started building Finora for personal use, with one precise constraint: every feature had to answer a concrete question I'd asked myself while managing my own accounts ("how much can I still spend this month?", "am I still using this subscription?", "who still owes me money for Saturday's dinner?"), not some abstract idea of "what a budgeting app does".

What it does

Accounts and transactions

Multiple accounts (bank, cash, cards, savings) with customizable types, two-level categories, daily and weekly sub-totals.
Multi-currency: 23 currencies with historical ECB rates, original amount always kept alongside the converted one.
Receipt attachments with automatic resizing and full-screen viewer, expense geolocation with a transaction map.

Projects, budgets and recurrences

Aggregators/Projects that group expenses across categories (e.g. a trip), with a dedicated budget and overspend warning.
A real scheduler-based recurrence engine, per-category budgets and a global monthly budget.
Subscriptions with monthlyized cost calculation and days to next renewal, a cashflow calendar projecting balance day by day.

Investments and goals

Investment portfolio (ETFs, stocks, crypto, bonds, funds, pension) with auto-updating prices and recurring investment plans.
Savings goals with a live sustainability preview.
Compound interest, leasing, and mortgage-vs-rent simulators; loans and mortgages with an amortization schedule and automatic debit from the linked account.

Automation and intelligence

An AI financial advisor that only answers based on the user's real data — never an invented number.
Auto-categorization rules (conditions → actions with priority) plus a suggestion based on personal history.
Automatic bank statement import with deduplication and balance reconciliation.
An in-app guide (35+ searchable sections, 4 languages) plus an AI assistant that can propose and — only after explicit confirmation — execute an action on the user's real data, with a dedicated popup for any missing details instead of guessing them.

Reports and analysis

Category trends with drill-down, predictive budget forecast on how much is still safe to spend.
"Can I afford it?" with a green/yellow/red verdict, year-over-year and month-over-month comparison.
Net worth over time, savings rate, deductible expenses, a financial health score (0-100).

Collaboration

Shared Spaces for family or couples, with owner/editor/viewer roles and invite-by-code.
Splitting expenses with people outside the app, tracking what's settled and what's still owed.

Organization

Free-form tags across transactions, global search with click-to-detail.
A wishlist that can link to goals and budgets.

For developers

A public REST API, the exact same one the app itself uses, authenticated with a personal token generated from Settings instead of logging in.

Security and account

Two-token JWT (15-minute access + 30-day refresh) with rotation, optional 2FA via TOTP or email code.
Account deletion with a grace period and full data export in JSON.

Platform

Installable PWA and native Android app via Capacitor from the same frontend codebase.
4 supported languages (it/en/fr/de), push notifications, a standalone widget for the phone's home screen.